CARC 21: This injury/illness is the liability of the no-fault carrier
Your insurer says a no-fault auto policy (PIP coverage) should pay for this care first.
What this means for your claim
In no-fault states, Personal Injury Protection (PIP) coverage on an auto policy is the primary payer for accident-related medical care, regardless of who caused the accident. Your health plan can deny until PIP benefits are exhausted.
What to do next
- 1
If the care relates to a car accident, submit the claim to your auto insurer's PIP coverage first.
- 2
Once PIP benefits are exhausted, provide your health insurer with documentation so they can process the remaining balance.
- 3
If the injury was unrelated to a vehicle, dispute the classification in writing with your health insurer.
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